Bankruptcy Lawyer in Dix Hills, NY

Stop Creditor Calls and Save Your Home

Get immediate protection from collections and foreclosure with experienced bankruptcy representation in Dix Hills.

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Debt Relief Solutions Dix Hills

What Life Looks Like After Bankruptcy

The phone stops ringing with collection calls. Your paycheck stays in your account instead of getting garnished. You sleep through the night without worrying about losing your house.

That’s what happens when you file for bankruptcy with proper legal guidance. Chapter 7 bankruptcy can eliminate credit card debt, medical bills, and personal loans in about four months. Chapter 13 lets you keep your home while reorganizing payments you can actually afford.

You’re not stuck forever. Most clients see their credit scores recover within two years. The shame and stress that’s been eating at you? That lifts almost immediately once you have legal protection and a clear path forward.

Experienced Bankruptcy Attorney Dix Hills

We Know Long Island Bankruptcy Law

The Frank Law Firm P.C. has been helping Dix Hills families navigate financial crises for years. We understand how expensive it is to live on Long Island and how quickly good people can find themselves drowning in debt.

You won’t get lectured here about how you got into this situation. We’ve seen it all – job loss, medical emergencies, divorce, business failures. What matters now is getting you the legal protection you need.

We handle cases in Suffolk County bankruptcy court regularly. We know the trustees, the procedures, and exactly what paperwork needs to be perfect to get your case approved without delays.

How to File Bankruptcy Dix Hills

The Bankruptcy Process Made Simple

First, we meet for a free consultation to review your debts, income, and assets. We’ll determine if Chapter 7 or Chapter 13 bankruptcy makes more sense for your situation. Most people qualify for Chapter 7, which eliminates debt completely.

Next, we prepare and file your bankruptcy petition with Suffolk County court. The moment we file, you get automatic stay protection. This legally stops all collection calls, foreclosure proceedings, and wage garnishments immediately.

About a month later, you attend a brief meeting with the bankruptcy trustee. We prepare you for every question they might ask. Most meetings last less than five minutes. After that, you wait for your discharge order – typically three to four months for Chapter 7 cases.

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Chapter 7 Chapter 13 Lawyer

Complete Bankruptcy and Foreclosure Defense Services

We handle both Chapter 7 and Chapter 13 bankruptcy cases for Dix Hills residents. Chapter 7 eliminates most debts in four months if you qualify based on income. Chapter 13 creates a payment plan over three to five years, perfect for saving your home from foreclosure.

Foreclosure defense is often part of the process. We can stop foreclosure proceedings and negotiate with your mortgage company to modify loan terms or catch up on missed payments through Chapter 13.

You get honest advice about which debts will be eliminated, which assets you can keep, and realistic timelines. We also handle the paperwork, court filings, and trustee meetings so you can focus on rebuilding your financial life.

How much does it cost to file for bankruptcy in Dix Hills?

Attorney fees for Chapter 7 bankruptcy typically range from $1,500 to $2,500, plus a $338 court filing fee. Chapter 13 cases cost more because they involve creating payment plans and ongoing court supervision over three to five years. We offer payment plans so you don’t need all the money upfront. Many clients use their tax refund or stop paying credit cards they’re about to discharge to save up for legal fees. The money you save by eliminating debt usually pays for the bankruptcy costs within the first few months.

Will I lose my house if I file for bankruptcy?

Most people keep their homes in bankruptcy. New York has a homestead exemption that protects up to $170,825 of home equity in Suffolk County. If you’re current on mortgage payments and don’t have excessive equity, Chapter 7 won’t affect your house. If you’re behind on payments, Chapter 13 can stop foreclosure and let you catch up over time while keeping the home. The key is acting before foreclosure proceedings get too far along. We can evaluate your specific situation and explain exactly what happens to your property.

What debts cannot be eliminated in bankruptcy?

Student loans, recent taxes, child support, and alimony typically survive bankruptcy. Credit cards, medical bills, personal loans, and old utility bills usually get eliminated completely. Secured debts like car loans and mortgages can be kept if you continue payments, or surrendered if you don’t want to keep the property. Recent cash advances or luxury purchases might not be dischargeable if made within 90 days before filing. We review your specific debts during consultation to explain exactly what will be eliminated and what you’ll still owe after bankruptcy.

How long does the bankruptcy process take in New York?

Chapter 7 bankruptcy takes about four months from filing to discharge. You’ll attend one trustee meeting about 30 days after filing, then wait for the discharge order. Chapter 13 takes three to five years because you’re making payments to creditors through a court-approved plan. However, you get immediate protection from collections as soon as we file either type of case. The automatic stay stops all creditor harassment, foreclosure proceedings, and wage garnishments on the filing date. Most clients feel relief within days of filing, even though the legal process takes months to complete.

Can I file for bankruptcy if I have a job?

Yes, having a job doesn’t disqualify you from bankruptcy. For Chapter 7, we use the means test to compare your income to New York median income levels. Many working people qualify for Chapter 7 if their income is below the median or they have high necessary expenses. If your income is too high for Chapter 7, Chapter 13 might be perfect since you need steady income to make plan payments. Being employed actually helps your case because it shows you can support yourself after bankruptcy. We analyze your specific income and expenses to determine which chapter works best for your situation.

Will bankruptcy ruin my credit score forever?

Bankruptcy stays on your credit report for seven to ten years, but your score starts improving much sooner. Many clients see their credit scores increase within six months because they’re no longer missing payments on discharged debts. You can get secured credit cards almost immediately after discharge to start rebuilding credit. Most people qualify for car loans within a year and mortgages within two to three years after bankruptcy. The key is that bankruptcy eliminates the debt that was dragging down your score. A bankruptcy with no debt often produces better credit scores than keeping accounts you can’t afford to pay.

Local Resources

Dix Hills, NY is located in Suffolk County in New York State